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Insurance
Protected belongings
Water · Fire · Theft

Home Contents — protect your belongings and avoid surprises

Se houver roubo, água, incêndio ou dano elétrico, o custo do recheio pode ser enorme. O segredo é não ficar subsegurado e escolher extras que realmente compensam (bicicletas, objetos valiosos, vidro). E, quando faz sentido, combinar com Liability Insurance para poupar.
Request an offer (free) I have a question
Contents valuation
Coverage claras
Help with claims
What we do for you
A “well-made” policy = the right value + the right extras + the right deductible.
No obligation
  • The correct contents value (para não ficar subsegurado quando precisa).
  • Coverage úteis: theft, water, fire, glass, electrical damage and liability.
  • Deductibles and extras: bikes, valuables, electronics — only what’s worth it.
  • I compare insurers e condições (preço vs cobertura real).
  • Help with claims: photos, reports, inventory and communication with the insurer.
Common mistake: escolher um valor baixo para pagar menos — e depois, no sinistro, haver redução por subseguro. Eu calculo consigo para evitar isso.
Water
Damage from a water leak/ingress (depending on coverage).
Fire
Protects your contents in the event of fire/smoke.
Theft
At home and, where it makes sense, away from home too.
How it works (3 steps)
Para fechar bem — e ter apoio quando precisa.
1
Inventory
We set the contents value and any special items (jewellery, electronics, bikes).
2
Coverage
I select coverage based on your risk (house vs. flat, area, etc.).
3
Implementation
We finalise the policy, and I remain available; you can keep everything in the portal to track it.
Coverage that usually makes sense
Theft
Break-in theft and, if needed, protection away from home.
  • Break-in / theft
  • Theft in cellar/storage (depending on plan)
  • Away from home (optional)
Water
Damage from a water leak/ingress (depending on coverage and cause).
  • Pipe leaks
  • Damage to furniture/electronics
  • Cleaning/restoration costs
Fire
Protects your contents in the event of fire/smoke and related events (depending on plan).
  • Fire and smoke damage
  • Explosion (depending on plan)
  • Replacement costs
Electrical damage / electronics
Extra protection for appliances and electronics (when worth it).
  • Power surge (depending on plan)
  • Valuable electronics
  • Deductibles and limits
Combine with Liability:often, Home Contents + Liability together work out better value. I show you the differences and what really changes in the coverage.
To give you an offer, I need this
  • Property type (flat/house) + number of rooms.
  • Approximate value of your contents and valuables.
  • Whether you want to cover bikes (and their value), electronics and glass.
  • Whether you’d like to combine it with Liability insurance.
FAQ
Is home contents the same as building insurance?
Yes and no. Home contents insurance covers your belongings/contents. The building structure is generally the owner’s/homeowners’ association’s responsibility.
What if I move house?
The address is updated and, if needed, the contents value too. I handle the update so you don’t lose coverage.
Is theft away from home included?
It depends on the coverage taken out. I can include protection away from home if it makes sense for your case.
How is the contents value calculated?
We use an estimate per room/area plus special items, to avoid underinsurance and reduced payouts in the event of a claim.
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Avance quando quiser.

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Seguro de habitação No obligation
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